• Industry: Payment Industry
• Report Type: Free Report
• Pages: 54
• Charts: 15

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Report Introduction

In 2025, the total transaction volume of China's third-party comprehensive payment market is projected to reach 577 trillion RMB, a year-on-year increase of 3.0%.

Within this, personal payment transactions will grow by 2.9%, while enterprise payment transactions will see a growth of 3.2% — the enterprise segment has now outpaced personal payment growth.

For industry players, the third-party payment sector has fully entered a phase of intensified stock competition.

Regulatory normalization and compliance upgrades are becoming the underlying tone of industry development.

The profit model relying solely on channel fees is increasingly unsustainable, and unlocking deeper service value has become the industry consensus.

The 2025 China Third-Party Payment Industry Research Report focuses on the domestic "Payment+" ecosystem, analyzes value deepening logic within niche payment markets, and forecasts future trends.

Additionally, the report selects leading enterprises based on core dimensions: compliance security, technical capabilities, product innovation, and cross-border service proficiency.

It also releases the "China Third-Party Payment Industry**者 (Excellence)" list to provide actionable references for the industry.

Table of Contents

• 1 Overview of China's Third-Party Payment Industry
• 2 Performance of Niche Markets in China's Third-Party Payment Industry
• 3 Future Trends in China's Third-Party Payment Industry
• 4 Excellence Selection & Typical Vendor Case Studies
• 5 Expert Insights on China's Third-Party Payment Industry

List of Charts & Figures

• Figure 1-1: Number & Amount of Penalties against Payment Institutions (2021–2025H1)
• Figure 1-2: Scale & Structure of China's Third-Party Comprehensive Payment Transactions (2021–2028E)
• Figure 2-1: China Personal Mobile Payment Market Size (2020–2025E)
• Figure 2-2: Number of Personal Mobile Payment Transactions in China (2020–2025E)
• Figure 2-3: China Personal Mobile Commercial Payment Market Size (2020–2025E)
• Figure 2-4: Structure of China's Personal Mobile Commercial Payment Market (2020–2025E)
• Figure 2-5: China Personal Mobile Transfer Payment Market Size (2020–2025E)
• Figure 2-6: Structure of China's Personal Mobile Transfer Payment (2020–2025E)
• Figure 2-7: Scale Structure & Niche Development of China's Third-Party Enterprise Payment (2021–2028E)
• Figure 2-8: China Offline Acquiring Market Size & Growth Rate (2021–2028E)
• Figure 2-9: Share of China's Offline Acquiring Market (2021–2025E)
• Figure 2-10: China Third-Party Industrial Payment Market Size (2021–2028E)
• Figure 2-11: Cross-border E-commerce Market Size (2020–2024)
• Figure 2-12: Cross-border Payment Market Size (2021–2028E)
• Figure 3-1: Monthly Active Users of Digital RMB App (2024–2025)

Expert Voices

Industry experts point out that future competitiveness for payment institutions lies in the integrated service capabilities of "Payment + Scenario + Data".

Compliance and technological innovation will become the core moats for leading players.

Cross-border payments, industrial digital solutions, and digital RMB applications are expected to generate the second growth curve for the industry.

— iResearch Consulting Group, Jan 2026